Loans can be risky because if you do not know how to pay it back and if you are not being able to pay it back you will be in some trouble.
You should only take a loan when you are going to purchase something important.
Yeah loans can be risky and do not suggest anyone to take one because you will always have to pay back more then that you have loaned.
So it is better to save money and then buy the thing that you want to buy.